West Virginia loan limits 2026 by county
In 2026, 1 of the 55 counties in West Virginia has a conforming loan limit above the $832,750 national baseline; the highest is $1,249,125 for a one-unit home in Jefferson County. FHA limits run from $541,287 to $1,249,125: 1 county is above the $541,287 national floor. VA has no limit for a veteran with full entitlement; with remaining entitlement it uses the county's conforming one-unit limit.
FHA and conforming loan limits for every West Virginia county
| County | Conforming 2026 | FHA 2026 | FHA area |
|---|---|---|---|
| Barbour County | $832,750 | $541,287 | Non-Metro |
| Berkeley County | $832,750 | $541,287 | Hagerstown-Martinsburg, MD-WV |
| Boone County | $832,750 | $541,287 | Charleston, WV |
| Braxton County | $832,750 | $541,287 | Non-Metro |
| Brooke County | $832,750 | $541,287 | Weirton-Steubenville, WV-OH |
| Cabell County | $832,750 | $541,287 | Huntington-Ashland, WV-KY-OH |
| Calhoun County | $832,750 | $541,287 | Non-Metro |
| Clay County | $832,750 | $541,287 | Charleston, WV |
| Doddridge County | $832,750 | $541,287 | Clarksburg, WV |
| Fayette County | $832,750 | $541,287 | Beckley, WV |
| Gilmer County | $832,750 | $541,287 | Non-Metro |
| Grant County | $832,750 | $541,287 | Non-Metro |
| Greenbrier County | $832,750 | $541,287 | Non-Metro |
| Hampshire County | $832,750 | $541,287 | Winchester, VA-WV |
| Hancock County | $832,750 | $541,287 | Weirton-Steubenville, WV-OH |
| Hardy County | $832,750 | $541,287 | Non-Metro |
| Harrison County | $832,750 | $541,287 | Clarksburg, WV |
| Jackson County | $832,750 | $541,287 | Non-Metro |
| Jefferson County | $1,249,125 | $1,249,125 | Washington-Arlington-Alexandria, DC-VA-MD-WV |
| Kanawha County | $832,750 | $541,287 | Charleston, WV |
| Lewis County | $832,750 | $541,287 | Non-Metro |
| Lincoln County | $832,750 | $541,287 | Non-Metro |
| Logan County | $832,750 | $541,287 | Non-Metro |
| Marion County | $832,750 | $541,287 | Fairmont, WV |
| Marshall County | $832,750 | $541,287 | Wheeling, WV-OH |
| Mason County | $832,750 | $541,287 | Non-Metro |
| McDowell County | $832,750 | $541,287 | Non-Metro |
| Mercer County | $832,750 | $541,287 | Bluefield, WV-VA |
| Mineral County | $832,750 | $541,287 | Cumberland, MD-WV |
| Mingo County | $832,750 | $541,287 | Non-Metro |
| Monongalia County | $832,750 | $541,287 | Morgantown, WV |
| Monroe County | $832,750 | $541,287 | Non-Metro |
| Morgan County | $832,750 | $541,287 | Hagerstown-Martinsburg, MD-WV |
| Nicholas County | $832,750 | $541,287 | Non-Metro |
| Ohio County | $832,750 | $541,287 | Wheeling, WV-OH |
| Pendleton County | $832,750 | $541,287 | Non-Metro |
| Pleasants County | $832,750 | $541,287 | Non-Metro |
| Pocahontas County | $832,750 | $541,287 | Non-Metro |
| Preston County | $832,750 | $541,287 | Morgantown, WV |
| Putnam County | $832,750 | $541,287 | Huntington-Ashland, WV-KY-OH |
| Raleigh County | $832,750 | $541,287 | Beckley, WV |
| Randolph County | $832,750 | $541,287 | Elkins, WV |
| Ritchie County | $832,750 | $541,287 | Non-Metro |
| Roane County | $832,750 | $541,287 | Non-Metro |
| Summers County | $832,750 | $541,287 | Non-Metro |
| Taylor County | $832,750 | $541,287 | Clarksburg, WV |
| Tucker County | $832,750 | $541,287 | Non-Metro |
| Tyler County | $832,750 | $541,287 | Non-Metro |
| Upshur County | $832,750 | $541,287 | Non-Metro |
| Wayne County | $832,750 | $541,287 | Huntington-Ashland, WV-KY-OH |
| Webster County | $832,750 | $541,287 | Non-Metro |
| Wetzel County | $832,750 | $541,287 | Non-Metro |
| Wirt County | $832,750 | $541,287 | Parkersburg-Vienna, WV |
| Wood County | $832,750 | $541,287 | Parkersburg-Vienna, WV |
| Wyoming County | $832,750 | $541,287 | Non-Metro |
One-unit limits. Each county page has the 2, 3 and 4 unit limits, the VA figure and how the county compares. Conforming limits announced November 25, 2025; FHA limits for 2026.
Highest FHA loan limits in West Virginia
Jefferson County ($1,249,125). HUD sets a county above the floor where 115 percent of its area's median home price is higher than the floor, up to the $1,249,125 ceiling; every county of one HUD area has the same limit.
FHA, VA and conforming limits in West Virginia
- FHA loan limits 2026HUD's floor and ceiling, how a county's limit is set and the highest-limit counties nationally.
- Conforming loan limits 2026FHFA's baseline, the high-cost ceiling and the special Alaska and Hawaii limits, with the announcement calendar.
- VA loan limitsNo limit with full entitlement since 2020; how the county limit sets the guaranty for remaining entitlement.
- Jumbo loan limit 2026The loan size above which a mortgage is jumbo in each county, and the high-balance band.
- West Virginia fair market rentsHUD Fair Market Rents for every West Virginia county, studios to 4 bedrooms.
- West Virginia property tax ratesEffective property tax rate for every West Virginia county from survey data.
For the title side (owner of record, deeds, mortgages, liens), see the counties HeritageDeed covers; a title report is $49 per report.
Questions about West Virginia loan limits
What are the FHA loan limits in West Virginia for 2026?
$541,287 to $1,249,125 for a one-unit home, depending on the county. 1 county is above the national floor of $541,287, led by Jefferson County ($1,249,125); the rest are at the floor. Two to four unit limits are on each county page. HUD's limits apply to case numbers assigned on or after January 1, 2026.
What is the conforming loan limit in West Virginia for 2026?
$832,750 to $1,249,125 for a one-unit home, by county; 1 county is above the $832,750 baseline (FHFA, effective January 1, 2026).
What is the VA loan limit in West Virginia?
There is none for a veteran with full entitlement: VA removed county loan limits for them on January 1, 2020. A veteran with entitlement in use gets a guaranty based on the county's FHFA one-unit limit, $832,750 to $1,249,125 in West Virginia for 2026: 25 percent of that limit minus the entitlement already used.
Which West Virginia counties have the highest loan limits?
Conforming: Jefferson County at $1,249,125. FHA: Jefferson County at $1,249,125. Limits follow FHFA's and HUD's metropolitan areas, so every county in one area has the same figure.
Loan limits in nearby states
Legal references
- 12 U.S.C. 1709(b)(2), FHA mortgage limits (115 percent of the area median, floor and ceiling)
Published federal limits. JSON: /api/data/loan-limits/west-virginia. Not lending advice.